Kale· Money

Treasury, but not boring.

Brex and Mercury sit on top of a treasury you have to assemble. Kale is the treasury — multi-bank, multi-currency, multi-chain, with policy as code and live FX hedging that posts P&L straight into Bean.

Open Garden See how it works

Garden Financial · v1.3.2 — DesktopLIVE

Search…⌘K

AACME Holdings

Cash Position

Updated Apr 29 at 14:02

Kale · Treasury

Cash Position

Consolidated cash across all banks, brokers, and self-custody wallets

Total cash on hand

$3.23M

+4.2% MoM

USD balance

$3.02M

4 accounts

EUR balance

€91,508

1 account

Runway

14.2 mo

@ current burn

Currency mix

$3,231,710

Across 6 holdings · 3 currencies

USD· 4 accts$3,019,802.00

EUR· 1 acct€91,508.00

USDC· 1 acct120,400.00 USDC

Sweep policy

Active

Idle-cash sweepNightly · to Yield (Brex)

Minimum operating float$750,000 · JPMorgan Chase

FX auto-conversionEUR > €80k → hedge

Self-custody thresholdAlert > $150k · Vault 01

Bank accounts & holdings

Account	Institution	Number	Type	Balance	Available	Currency	Status
Operating	JPMorgan Chase	••••4821	checking	$1,247,398.00	$1,198,420.00	USD	Active
Reserves	Mercury	••••9013	savings	$542,100.00	$542,100.00	USD	Active
Yield	Brex Treasury	••••2277	money market	$918,244.00	$918,244.00	USD	Active
FX Float	Wise	••••5540	checking	€84,210.00	€84,210.00	EUR	Active
Payroll	Silicon Valley Bank	••••1188	checking	$312,060.00	$289,340.00	USD	Active
Cold Storage · 01	Greenhouse Vault	••••0xA9	self custody	120,400.00 USDC	120,400.00 USDC	USDC	Restricted

FIG. 0.A — GARDEN DESKTOP / DASHBOARDThe actual UI. No marketing simulator.

FX exposure

Hedge bands and P&L, posted to the book in real time.

Every pair you operate in carries a spot, a hedged rate, a hedge ratio, and a 30-day P&L. Hedge violations alert; daily mark-to-market posts to Bean as fx_pnl lines you can defend in front of an auditor.

Kale · Treasury

FX Management

Currency exposure, hedge coverage, and realized P&L against policy bands

Net exposure · USD-eq

$500,418

5 pairs

30-day realized P&L

$4,217

+0.96%

Unrealized P&L

$1,842

+0.37%

Portfolio hedged

76%

2 under band

Hedge policy

Degraded

Coverage target≥ 70% when exposure > $80k

Rate sourceWise mid-market + manual override

Refresh cadenceEvery 5s · daily close snapshot

P&L postingfx_pnl line → Bean ledger

Policy breaches

Pairs below the 70% hedge band

USD / JPY45% hedged

USD / SGD0% hedged

FX positions · USD base

Pair	Spot	Hedged @	Exposure	Hedged	30-day P&L	Band
USD / EUR	1.0824	1.0790	$284,118.00	92%	+$3,120.00	Settled
USD / GBP	0.7912	0.7885	$92,400.00	78%	+$864.00	Settled
USD / JPY	152.04	151.20	$48,800.00	45%	-$210.00	Overdue
USD / SGD	1.3486	1.3450	$16,200.00	0%	+$142.00	Overdue
USD / CAD	1.3702	1.3688	$58,900.00	88%	+$301.00	Settled

90-day forecast

Cash forecast against the live pipeline. Not against last quarter's average.

Every Cabbage subscription event, every Chard authorisation, and every Branches sync re-runs the forecast in real time. Confidence bands widen with the forecast horizon. The policy floor — 90 days of payroll — is drawn as a hard line and breaches alert before they happen.

KALE · /treasury/forecasting

Cash forecast · 90 days · against the live pipeline

drift · 0.42% vs last week

TODAY$2,769,000

90-DAY MIN$2,300,000+18 days · post payroll

90-DAY MAX$3,050,000+71 days · Q-end collect

POLICY FLOOR$1,200,00090 days payroll · holds

+12dINV-2941 received · $14.8k

+24dTODAY · CFO present

+31dForerun Labs renewal · ramp

+47dPayroll · bi-weekly · $112k

+60dACME Holdings · ARR true-up

+75dQ3 estimated taxes · $87k

forecast re-runs on every Cabbage subscription event, every Chard authorisation, every Branches syncmodel v3 · trained on 412 closed periods

Kale vs. the spreadsheet stack

Treasury policy as code, not as a folder of XLSX.

Most finance teams run treasury in spreadsheets that no one trusts but no one replaces.

Capability	Spreadsheet	Brex	Mercury	Kale
Multi-bank live balance	manual	single-issuer	✓ Mercury only	✓ any bank
FX hedging native	—	—	—	✓
Sweep rules as code	—	—	—	✓
Treasury policy enforcement	—	—	—	✓
Multi-currency P&L	manual	—	—	✓
Posts to ledger atomically	—	—	—	✓ Bean
Agent-managed sweeps	—	—	—	✓ MCP
Crypto / stablecoin pools	—	—	—	✓ Greenhouse

Agent-native

Sweeps, hedges, and rebalances under capability locks.

An agent can move cash within your policy envelope. Anything outside the envelope generates a request for human approval — never an over-the-line move.

MCP descriptor

tool   kale.sweep.execute       Move cash per sweep rule (signed)
tool   kale.fx.hedge.open       Open FX forward up to policy cap
tool   kale.allocation.update   Update yield allocation
tool   kale.forecast.run        Re-run cash forecast
resource  positions://kale     Live position snapshot

Typed REST API

GET  /kale/v1/positions           Cash positions by account
POST /kale/v1/sweeps              Trigger sweep rule
POST /kale/v1/fx/hedges           Open / close hedge
POST /kale/v1/forecasts           Run forecast against pipeline
GET  /kale/v1/exposure            FX exposure by pair

Lineage headers

Authorization: Bearer arsenal:act_kl…
X-Garden-Capability: kale.sweep.execute · max=80000
X-Garden-Policy: target_balance=$300k · counterparty<$2.5M
X-Garden-Audit: sealed into Bean as fx_pnl + sweep entries

Capability matrix